Temecula Valley Bancorp Inc. Financial Ratios — TMCV Stock

Profitability (USD)

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Return on Common Equity (%)	- -	8.74	15.89	15	24.14	31.86	29.15	27.61	20.96	14.33	-76.39
Return on Assets (%)	- -	0.75	1.24	1.17	1.67	2.12	2.04	1.89	1.61	1.18	-4.17
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	5.74	6.81	11.39	12.47	12.93	16.69	2.37	3.96
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	24.63	39.42	58.53	16.49	22.55	30.59	32.41	35.39	36.08	31.11	-152.95
Profit Margin (%)	24.59	24.88	35.2	9.89	13.38	18.09	18.92	20.71	21.36	18.46	-119.34
Net Income to Common Margin (%)	24.59	24.88	35.2	9.89	13.38	18.09	18.92	20.71	21.36	18.46	-119.34
Effective Tax Rate (%)	- -	- -	- -	40.05	40.68	40.87	41.6	41.47	40.8	40.67	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2.73
Sustainable Growth Rate (%)	- -	8.74	15.89	15	24.14	31.86	29.15	27.61	20.96	14.33	-78.47

Credit (USD)

Credit Ratios API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Total Debt	- -	- -	- -	- -	17	12	21	59	41	34	159
ST Debt	- -	- -	- -	- -	10	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	7	12	21	59	41	34	159
Total Debt/EBITDA	- -	- -	- -	- -	8.07	2.5	2.96	6.76	3.12	17.53	81.07
Net Debt/EBITDA	- -	- -	- -	-9.28	2.36	0.61	2.05	4.66	1.96	10.21	68.92
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.25	8.13	7.59	7.95	6.32	6.88	7.07	6.7	8.34	8.19	3.08
Long-Term Debt/Equity (%)	- -	- -	- -	- -	36.79	41.68	48.06	101.18	39.94	31.51	340.71
Long-Term Debt/Capital (%)	- -	- -	- -	- -	19.59	29.42	32.46	50.29	28.54	23.96	77.31
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	2.32	2.87	3.4	6.77	3.33	2.58	10.49
Total Debt/Equity (%)	- -	- -	- -	- -	87.77	41.68	48.06	101.18	39.94	31.51	340.71
Total Debt/Capital (%)	- -	- -	- -	- -	46.74	29.42	32.46	50.29	28.54	23.96	77.31
Total Debt/Total Assets (%)	- -	- -	- -	- -	5.54	2.87	3.4	6.77	3.33	2.58	10.49
Net Debt to Equity	- -	- -	- -	-64.39	25.68	10.19	33.34	69.71	25.13	18.35	289.62
Net Debt/Capital (%)	- -	- -	- -	-180.84	20.43	9.25	25	41.08	20.08	15.51	74.33
EBITDA	- -	- -	- -	1	2	5	7	9	13	2	2
EBITDA-CapEx	- -	- -	- -	1	2	5	7	9	13	2	2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.25	8.13	7.59	7.95	6.32	6.88	7.07	6.7	8.34	8.19	3.08
Long-Term Debt/Equity (%)	- -	- -	- -	- -	36.79	41.68	48.06	101.18	39.94	31.51	340.71
Long-Term Debt/Capital (%)	- -	- -	- -	- -	19.59	29.42	32.46	50.29	28.54	23.96	77.31
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	2.32	2.87	3.4	6.77	3.33	2.58	10.49
Total Debt/Equity (%)	- -	- -	- -	- -	87.77	41.68	48.06	101.18	39.94	31.51	340.71
Total Debt/Capital (%)	- -	- -	- -	- -	46.74	29.42	32.46	50.29	28.54	23.96	77.31
Total Debt/Total Assets (%)	- -	- -	- -	- -	5.54	2.87	3.4	6.77	3.33	2.58	10.49
CFO/Total Liabilities	- -	- -	- -	-6.73	-3.05	2.28	3.35	-3.16	-5.51	-0.93	-5.01
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.04	0.03	0.03	0.12	0.14	0.15	0.15	0.29	0.24	0.2	0.05

Working Capital (USD)

Working Capital Ratios API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Accounts Receivable Turnover	- -	- -	- -	10.28	8.85	10.48	9.85	13.4	16.46	12.64	7.69
Days Sales Outstanding	- -	- -	- -	35.5	41.22	34.83	37.05	27.25	22.17	28.89	47.49
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	203	215	118	9
- Cash & Cash Equivalents	- -	- -	- -	10	12	9	6	18	15	14	24
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	17	12	21	59	41	34	159
Enterprise Value	- -	- -	- -	-10	5	3	14	243	241	138	144
Total Capital	5	7	9	15	37	42	64	117	145	142	205
Total Debt/Capital (%)	- -	- -	- -	- -	46.74	29.42	32.46	50.29	28.54	23.96	77.31
Total Debt / EV	- -	- -	- -	- -	3.42	4.09	1.44	0.24	0.17	0.25	1.1
EV/Sales	- -	- -	- -	1.11	0.16	0.07	0.26	3.61	3.05	1.68	2.92
EV/EBITDA	- -	- -	- -	19.36	2.36	0.61	2.05	27.91	18.26	71.02	73.74
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	0.33	0.76	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	0.33	0.76	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	218	230	126	9
Diluted Enterprise Value	- -	- -	- -	-10	5	3	14	258	256	146	144
EV per Share	- -	- -	- -	3.15	0.68	0.37	1.64	27.33	26.33	13.7	14.39
TTM Sales	2	2	4	18	31	43	56	67	79	82	49
TTM EBITDA	- -	- -	- -	1	2	5	7	9	13	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	-12	-9	9	19	-26	-62	-11	-73
TTM Free Cash Flow to Firm	- -	- -	- -	-12	-9	9	19	-26	-62	-11	-73

Multiples (USD)

Valuation Multiples API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	-8.49	-3.68	-11.23	-0.13
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	-10	5	3	14	243	241	138	144
Low Price	- -	- -	- -	- -	- -	- -	- -	16.8	19.66	9.75	0.63
EV/Sales	- -	- -	- -	1.11	0.16	0.07	0.26	3.61	3.05	1.68	2.92
EV/EBITDA	- -	- -	- -	19.36	2.36	0.61	2.05	27.91	18.26	71.02	73.74
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	14.41	12.84	8.07	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	13.15	12.1	12.31	-1.07
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	16.42	13.66	16.55	-2.02
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	10.63	10.74	6.71	-0.11
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	3.48	2.09	1.09	0.2
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	3.18	1.97	1.67	1.35
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	3.97	2.22	2.24	2.56
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	2.57	1.75	0.91	0.14
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	3.48	2.09	1.09	0.2
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	3.18	1.97	1.67	1.35
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	3.97	2.22	2.24	2.56
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	2.57	1.75	0.91	0.14
Price/Sales	- -	- -	- -	- -	- -	- -	- -	2.99	2.74	1.49	0.19
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	2.72	2.58	2.27	1.27
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	3.4	2.92	3.05	2.41
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	2.2	2.29	1.24	0.13
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	-7.84	-3.48	-10.86	-0.13
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	-7.16	-3.28	-16.57	-0.86
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	-8.94	-3.7	-22.27	-1.63
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	-5.79	-2.91	-9.02	-0.09
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	-7.75	-3.46	-17.14	-0.86
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	-9.67	-3.91	-23.03	-1.63
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	-6.26	-3.08	-9.33	-0.09
EV/Sales Average	- -	- -	- -	0.74	0.16	0.07	0.26	3.35	2.89	2.44	4
EV/Sales High	- -	- -	- -	1.41	0.16	0.07	0.26	4.03	3.22	3.19	5.14
EV/Sales Low	- -	- -	- -	0.35	0.16	0.07	0.26	2.82	2.6	1.44	2.86
EV/EBITDA Average	- -	- -	- -	-9.28	2.36	0.61	2.05	25.88	17.32	103.04	100.98
EV/EBITDA High	- -	- -	- -	-9.28	2.36	0.61	2.05	31.16	19.3	134.95	129.75
EV/EBITDA Low	- -	- -	- -	-9.28	2.36	0.61	2.05	21.81	15.6	60.76	72.15
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	22.77	23.5	11.73	0.94
High Price	- -	- -	- -	- -	- -	- -	- -	25.95	25	24.06	11.87
Enterprise Value Average	- -	- -	- -	-10	5	3	14	225	229	200	198
Enterprise Value High	- -	- -	- -	-10	5	3	14	271	255	262	254
Enterprise Value Low	- -	- -	- -	-10	5	3	14	190	206	118	141

Shares Outstanding	- -	- -	- -	7	7	8	9	9	9	10	10
Diluted Weighted Avg Shares	5	6	6	7	8	9	9	10	10	11	10
Basic Weighted Avg Shares	4	5	5	6	7	8	9	9	9	10	10
Revenue per Share	0.49	0.46	0.68	2.83	4.26	5.53	6.55	7.63	8.57	7.88	4.92
EBITDA per Share	- -	- -	- -	0.16	0.29	0.63	0.82	0.99	1.43	0.19	0.19
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.12	0.12	0.24	0.28	0.57	1	1.24	1.58	1.83	1.45	-5.87
Basic EPS from Cont Ops	0.12	0.12	0.24	0.28	0.57	1	1.24	1.58	1.83	1.45	-5.87
Diluted EPS, GAAP	0.1	0.09	0.22	0.25	0.5	0.89	1.13	1.46	1.73	1.41	-5.87
Diluted EPS from Cont Ops	0.1	0.09	0.22	0.25	0.5	0.89	1.13	1.46	1.73	1.41	-5.87
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.16
Cash Flow per Share	- -	- -	- -	-1.83	-1.21	1.17	2.22	-2.9	-6.76	-1.08	-7.3
Free Cash Flow per Basic Share	- -	- -	- -	-1.83	-1.21	1.17	2.22	-2.9	-6.76	-1.08	-7.3
Cash & Equivalents per Share	- -	- -	- -	1.33	1.64	1.15	0.73	2.06	1.67	1.41	2.37
Book Value per Share	- -	- -	- -	2.06	2.64	3.65	4.93	6.54	11.26	10.73	4.64
Tangible Book Value per Share	- -	- -	- -	2.06	2.13	2.9	4.06	6.54	11.26	10.73	4.64

Temecula Valley Bancorp Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)